O'Meara Sumnar Insurance Agency has been providing creative insurance solutions and expertise to clients in a broad range of industries. We strive to personally meet our clients ongoing and ever changing needs with only the highest quality companies and dedicated insurance professionals. Our commitment is to provide quality insurance services, and build long term relationships with our clients.
We have the ability to continually monitor the marketplace and offer you the best possible combination of coverage and price. Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn't like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business.
Don't treat the purchase lightly!
We have the ability to continually monitor the marketplace and offer you the best possible combination of coverage and price. Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn't like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business.
Don't treat the purchase lightly!
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Buying insurance is often a complex and confusing transaction for the consumer.
Laws and regulations pertaining to contracts of insurance are constantly changing, so it is no surprise that consumers are at a disadvantage when it comes to buying appropriate protection for their assets.
A survey conducted by the O'Meara-Sumnar Insurance Agency should provide you.
While there are many different types of life insurance products, they all serve a similar purpose: financial protection for your family.
Laws and regulations pertaining to contracts of insurance are constantly changing, so it is no surprise that consumers are at a disadvantage when it comes to buying appropriate protection for their assets.
A survey conducted by the O'Meara-Sumnar Insurance Agency should provide you.
While there are many different types of life insurance products, they all serve a similar purpose: financial protection for your family.
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Most auto policies are for six months or a year.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Most auto policies are for six months or a year.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
This includes damage caused by household pets.
It is really all about protecting yourself financially if something unexpected happens to your home or possessions.
That's important because chances are your home is likely one of your largest investments.
If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
This includes damage caused by household pets.
It is really all about protecting yourself financially if something unexpected happens to your home or possessions.
That's important because chances are your home is likely one of your largest investments.
If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
For people who own their home, the HO-3 is a comprehensive insurance policy that provides coverage for dwellings and personal property.
The policy may be amended or endorsed to cover additional risks such as increased limits for more valuable items or a home-based business.
The HO-3 pays full replacement cost without depreciation provided insurance is adequately maintained.
Replacement value is the cost of construction and therefore should not be confused with market value.
Insurance companies and agents can assist you with cost estimates that will help you determine the replacement value of your property.
The policy may be amended or endorsed to cover additional risks such as increased limits for more valuable items or a home-based business.
The HO-3 pays full replacement cost without depreciation provided insurance is adequately maintained.
Replacement value is the cost of construction and therefore should not be confused with market value.
Insurance companies and agents can assist you with cost estimates that will help you determine the replacement value of your property.
Keep approved, properly charged and maintained fire extinguishers in the garage and near the kitchen.
Household members should be trained in the proper use of an extinguisher; otherwise, this could result in injury, delays in notifying the fire department, or the spread of fire, i.e., through the improper application of an extinguishing agent to a grease fire.
Consider a carbon monoxide detector.
This should normally be placed near a heat-producing device, such as a water heater, dryer, etc.
Avoid storing flammables in the home or garage; use a small, detached storage shed.
Household members should be trained in the proper use of an extinguisher; otherwise, this could result in injury, delays in notifying the fire department, or the spread of fire, i.e., through the improper application of an extinguishing agent to a grease fire.
Consider a carbon monoxide detector.
This should normally be placed near a heat-producing device, such as a water heater, dryer, etc.
Avoid storing flammables in the home or garage; use a small, detached storage shed.
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